Quick snapshot
- Loan Amount: $2.5 million released against a business-owned commercial asset
- Finance Type: Equity release secured by real estate asset
- Use Case: Business expansion, working capital and operational support
- LVR Consideration: Loan structured based on asset value and repayment capacity
- Lender: Secured Lending provided a tailored short-term facility with fast turnaround
A lack of capital shouldn’t be the reason your business misses a golden opportunity. That was the reality faced by a well-established SME in New South Wales who needed $2.5 million to fund a major growth initiative—but had most of their funds tied up in a high-value commercial asset. The solution? Equity release finance through Secured Lending, using their unencumbered warehouse as security.
If your business owns property or other tangible assets, you might be sitting on untapped borrowing power. In this case, our client was asset-rich but cash-limited. They approached us looking for a fast, no-nonsense finance solution to unlock capital without interrupting operations or refinancing their entire loan structure.
Equity release finance: turning business assets into working capital
Equity release finance allows you to borrow against the equity in a business-owned asset. That could be a building, machinery, or land. Our client owned a strategically located warehouse with strong market value and no existing mortgage. Rather than going through a drawn-out bank refinance, they sought a more responsive option.
Secured Lending assessed the property and financials, then structured a $2.5 million facility secured against the asset. The funding was approved and settled within days—not weeks—thanks to our streamlined process.
This capital was then used to:
- Fund expansion into new regions
- Increase inventory levels to meet a sudden surge in demand
- Strengthen the business’s cash flow buffer
The loan was structured over a short term, aligning with the expected uplift in revenue, and included a clear exit strategy through projected profits and receivables.
Why this $2.5 million loan made financial sense
Traditional lenders often struggle to accommodate urgent business needs, especially when fast settlement is crucial. For this client, time was non-negotiable—they risked losing a contract if funds weren’t secured promptly. By unlocking equity in their warehouse, they avoided the red tape of major bank processes and retained control of their asset.
What made this facility work:
- Asset-backed funding allowed for a higher loan amount than unsecured options
- Tailored repayment terms aligned with the business’s seasonal income
- Fast turnaround gave the client financial agility at a critical moment
It’s not uncommon to ask, “Can I use the equity in my business property to borrow $2 million or more for expansion?”—the answer is yes, provided the asset supports it and the business can service the loan. That’s where specialist lenders like Secured Lending shine.
Secured Lending’s unique approach to short-term business finance
We specialise in funding solutions where speed and flexibility matter. Our $2.5 million equity release loan in this case is just one example of how we support growing businesses across Australia. Whether it’s for bridging capital, restructuring, or rapid expansion, our focus is on practical outcomes.
Our product suite includes:
- First Mortgage Loans – up to 70% LVR on high-value commercial property
- Second Mortgages – releasing equity without disturbing existing primary finance
- Caveat Loans – for time-sensitive opportunities needing 24–72 hour turnaround
- Bridging Finance – temporary funding while transitioning between major facilities
- Short-Term Business Loans – capital solutions from a few months to one year
Each loan is crafted to match your situation—not the other way around.
Thinking of releasing equity from your business assets?
If you’re considering equity release finance, take into account:
It’s a secured loan – your property is used as collateral
The loan amount depends on the asset value and your ability to repay
It’s best used with a clear purpose and exit strategy
This $2.5 million loan helped a business take control of its growth trajectory. With the right advice and the right lender, your equity can be more than just paper value—it can be the key to your next big move.
Speak to us today on 1300 795 175 or email info@securedlending.com.au to explore how we can structure an equity release loan that fits your business. We’re here to help you unlock capital and take decisive action when it matters most.
